The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,066
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,784
−HK$729/mo
Today · 4.125%
HK$24,513
baseline
▲ 0.50% · 4.625%
HK$26,004
+HK$1,491/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$49,026/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,661
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,349
−HK$699/mo
Today · 4.125%
HK$27,048
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,425/mo
Deposit HK$5.06M · loan HK$5.06M · min. income ≈ HK$54,096/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$379,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,680
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,541
−HK$874/mo
Today · 4.125%
HK$29,415
baseline
▲ 0.50% · 4.625%
HK$31,205
+HK$1,790/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$58,830/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,793
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,619
−HK$838/mo
Today · 4.125%
HK$32,457
baseline
▲ 0.50% · 4.625%
HK$34,168
+HK$1,711/mo
Deposit HK$4.05M · loan HK$6.07M · min. income ≈ HK$64,914/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$379,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,293
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,297
−HK$1,021/mo
Today · 4.125%
HK$34,318
baseline
▲ 0.50% · 4.625%
HK$36,406
+HK$2,088/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$68,636/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,926
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,889
−HK$978/mo
Today · 4.125%
HK$37,867
baseline
▲ 0.50% · 4.625%
HK$39,863
+HK$1,996/mo
Deposit HK$3.03M · loan HK$7.08M · min. income ≈ HK$75,734/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$379,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,520
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,811
−HK$1,312/mo
Today · 4.125%
HK$44,123
baseline
▲ 0.50% · 4.625%
HK$46,808
+HK$2,685/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$88,246/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,190
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,429
−HK$1,257/mo
Today · 4.125%
HK$48,686
baseline
▲ 0.50% · 4.625%
HK$51,252
+HK$2,566/mo
Deposit HK$1.01M · loan HK$9.10M · min. income ≈ HK$97,372/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$379,339 · Scale 2, in force from 26 Feb 2026)